Should I invest in Bharti AXA Liquid Fund?

We don't give personal investment advice. Bharti AXA Liquid Fund- Institutional Plan-Growth is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding.

Bharti AXA

Bharti AXA Liquid Fund- Institutional Plan-Growth

Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.02%	+0.34%	-0.32	12 / 110	Q1
1W	+0.16%	+0.31%	-0.15	10 / 107	Q1
2W	+0.32%	+0.36%	-0.04	8 / 106	Q1
1M	+0.70%	+0.37%	+0.33	2 / 106	Q1
3M	+2.12%	+0.70%	+1.42	3 / 105	Q1
6M	+4.30%	-0.73%	+5.02	5 / 105	Q1
YTD	+2.49%	-1.59%	+4.08	17 / 102	Q1
1Y	+8.71%	-0.61%	+9.32	7 / 100	Q1
2Y	+8.36%	-0.86%	+9.22	10 / 96	Q1
3Y	+7.59%	-1.06%	+8.65	13 / 89	Q1
4Y	+6.68%	-1.39%	+8.06	19 / 86	Q1
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.92%	-1.26%	+8.18	20 / 110	Q1

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2013 YTD	+2.49%	+0.78%	+1.71	18 / 64
2012	+8.56%	+155.04%	-146.48	16 / 65
2011	+7.65%	-0.45%	+8.10	17 / 67
2010	+5.04%	-1.24%	+6.28	16 / 73
2009	+4.50%	+0.17%	+4.32	22 / 75
2008	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+6.48%

46 windows

min 4.0% · max 8.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+6.39%

22 windows

min 5.7% · max 7.6%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

0.37%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.00%

Peak to trough

% positive months

100.0%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Recent NAVs

Date	NAV
17 Apr 2013	₹1,375.4784
16 Apr 2013	₹1,375.1386
15 Apr 2013	₹1,374.8223
14 Apr 2013	₹1,374.5208
12 Apr 2013	₹1,373.9169
11 Apr 2013	₹1,373.6005
10 Apr 2013	₹1,373.2807
9 Apr 2013	₹1,372.9686
8 Apr 2013	₹1,372.6508
7 Apr 2013	₹1,372.3346

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

Bharti AXA Liquid Fund- Institutional Plan-Growth is a Liquid from Bharti AXA (Institutional plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Bharti AXA Liquid Fund- Institutional Plan-Growth has NAV history starting from 18 Jul 2008, a track record of about 17 years 10 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Bharti AXA Liquid Fund- Institutional Plan-Growth is managed by Bharti AXA. It's classified by AMFI under the 'Liquid' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Bharti AXA Liquid Fund- Institutional Plan-Growth has delivered a absolute return of 8.71% — +9.32 pp ahead of the Liquid category average of -0.61%. The fund ranks #7 of 100 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Bharti AXA Liquid Fund- Institutional Plan-Growth has delivered a CAGR of 7.59% — +8.65 pp ahead of the Liquid category average of -1.06%. The fund ranks #13 of 89 in its category — the top (Q1) quartile.

Bharti AXA Liquid Fund- Institutional Plan-Growth doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in Bharti AXA Liquid Fund- Institutional Plan-Growth exactly 3 years ago would be worth approximately ₹124,532 today — a multiplier of 1.25×, based on the 3-year CAGR of 7.59%. The category average over the same window would have grown ₹1 lakh to ₹96,854.

A ₹10,000 monthly SIP in Bharti AXA Liquid Fund- Institutional Plan-Growth over the last 3 years — total invested ₹360,000 — would be worth ₹407,704 today. That's an XIRR (money-weighted annualised return) of 8.24%.

Bharti AXA Liquid Fund- Institutional Plan-Growth doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹407,704 — XIRR 8.24%.

On a 3-year basis, Bharti AXA Liquid Fund- Institutional Plan-Growth ranks #13 out of 89 funds in the Liquid category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -1.06%; this fund delivered 7.59%.

The worst peak-to-trough decline Bharti AXA Liquid Fund- Institutional Plan-Growth has experienced over the last 3-year window is 0.00%. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, Bharti AXA Liquid Fund- Institutional Plan-Growth averaged 6.39% (best 7.59%, worst 5.73%). 100% of rolling windows ended positive.

In calendar year 2012, Bharti AXA Liquid Fund- Institutional Plan-Growth returned 8.56% — lagging the Liquid category average of 155.04% by 146.48 pp. It ranked #16 of 65 in its category that year.

Bharti AXA Liquid Fund- Institutional Plan-Growth is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. Bharti AXA Liquid Fund- Institutional Plan-Growth is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.